Free accident checklist
A clear plan for the scene, the records and the claim
Work through 16 practical items in order, from immediate safety to the written claim file. Print a clean copy before you need it or use the interactive version in this tab.
Free to use · No account · No information submitted or saved
- Coverage
- 16 scene and claim items
- Privacy
- Checks stay in this browser tab
- Foundation
- Informed by NAIC consumer guidance
Interactive accident checklist
Work through the scene and claim in order
Check only what is safe and relevant. The list stays in this browser tab, is never submitted and clears when the page is refreshed.
One claim record
Build one file that answers the next question
A useful claim file separates what happened, what the policy says and what was paid. Keep originals or clear copies and note when each item was received or sent.
| Keep | Why it matters | Where to file it |
|---|---|---|
| Scene record | Preserves names, vehicle details, photos and observations made close to the event. | 01 · Scene |
| Policy and ID card | Helps connect questions to the correct policy period, coverages, limits and deductibles. | 02 · Policy |
| Claim contacts | Keeps the claim number, adjuster, repair contact and dated communication log together. | 03 · Contacts |
| Estimates and receipts | Documents repair, towing, storage, rental and other claimed expenses. | 04 · Costs |
| Written decisions | Shows what was requested, what was decided and which policy language was cited. | 05 · Decisions |
When a decision is unclear
Turn a broad dispute into four specific questions
- 01
What policy language applies?
Ask for the coverage, exclusion, limit or condition used in the decision.
- 02
Which facts were considered?
Correct factual errors with documents rather than relying on a phone conversation alone.
- 03
Can I have that in writing?
Save the explanation with the date, sender, claim number and any next-step deadline.
- 04
What review path remains?
Ask about the insurer's review process and your state insurance department's consumer services.
Primary references
Check the official guidance
This checklist is an organizational aid. The NAIC resources below explain common claim steps and auto-insurance concepts; your state rules and policy language control your situation.
Before the next renewal
Know the policy before you compare it
Use the same coverage design across proposals, then separate price from company research and state requirements.
Coverage types
Identify which loss each coverage generally addresses.
Open resource →Quote worksheet
Put up to three written proposals on equal terms.
Open resource →State requirements
Open the official source for your jurisdiction's legal floor.
Open resource →Company research
Review public company facts separately from the premium.
Open resource →After a car accident checklist FAQs
Should I call 911 after every car accident?+
Call 911 when anyone may be injured, the scene is dangerous or emergency help is needed. Police-report requirements vary by state and situation. Follow local law and the instructions of emergency responders.
What information should I exchange with the other driver?+
When it is safe, record the other driver's name, address, insurer and insurer phone number, along with driver-license, plate and vehicle details that are available. Avoid photographing or sharing information that is unrelated to the claim.
Does ShowMyRates save my accident checklist?+
No. The checked items stay only in the current page state. They are not submitted or saved, and they clear when the page is refreshed. A printed copy can be kept with your vehicle documents before an accident occurs.
Does completing this checklist prove who was at fault?+
No. The checklist helps organize factual records. It does not determine fault, coverage, claim value or legal responsibility, and it is not a substitute for instructions from emergency services, an insurer, a medical professional or a lawyer.
What can I do if I do not understand a claim decision?+
Ask the insurer which policy language and facts support the decision and request the explanation in writing. Keep a dated communication log. If the issue remains unresolved, your state insurance department's consumer-services office may explain complaint options.